EP4720962A1 - System und verfahren zur autorisierung elektronischer zahlungen - Google Patents

System und verfahren zur autorisierung elektronischer zahlungen

Info

Publication number
EP4720962A1
EP4720962A1 EP24726646.3A EP24726646A EP4720962A1 EP 4720962 A1 EP4720962 A1 EP 4720962A1 EP 24726646 A EP24726646 A EP 24726646A EP 4720962 A1 EP4720962 A1 EP 4720962A1
Authority
EP
European Patent Office
Prior art keywords
payment
consumer
consent
acceptor
psp
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
EP24726646.3A
Other languages
English (en)
French (fr)
Inventor
Antonio Navarro Perez
Timo Weber
Fabian MANSFELD
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Epi Co Se
Original Assignee
Epi Co Se
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Epi Co Se filed Critical Epi Co Se
Publication of EP4720962A1 publication Critical patent/EP4720962A1/de
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP24726646.3A 2023-05-25 2024-05-21 System und verfahren zur autorisierung elektronischer zahlungen Pending EP4720962A1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EP23175425.0A EP4468223A1 (de) 2023-05-25 2023-05-25 System und verfahren zur autorisierung elektronischer zahlungen
PCT/EP2024/063882 WO2024240729A1 (en) 2023-05-25 2024-05-21 System and method for authorizing electronic payments

Publications (1)

Publication Number Publication Date
EP4720962A1 true EP4720962A1 (de) 2026-04-08

Family

ID=86605219

Family Applications (2)

Application Number Title Priority Date Filing Date
EP23175425.0A Withdrawn EP4468223A1 (de) 2023-05-25 2023-05-25 System und verfahren zur autorisierung elektronischer zahlungen
EP24726646.3A Pending EP4720962A1 (de) 2023-05-25 2024-05-21 System und verfahren zur autorisierung elektronischer zahlungen

Family Applications Before (1)

Application Number Title Priority Date Filing Date
EP23175425.0A Withdrawn EP4468223A1 (de) 2023-05-25 2023-05-25 System und verfahren zur autorisierung elektronischer zahlungen

Country Status (4)

Country Link
EP (2) EP4468223A1 (de)
CN (1) CN121263814A (de)
MX (1) MX2025014036A (de)
WO (1) WO2024240729A1 (de)

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160012422A1 (en) * 2014-07-11 2016-01-14 Google Inc. Hands-free transactions with a transaction confirmation request
US20180082284A1 (en) * 2016-09-20 2018-03-22 Paypal, Inc. Processing a transaction using a multiple-use token
GB2605142A (en) * 2021-03-22 2022-09-28 Mastercard International Inc Completing a transaction

Also Published As

Publication number Publication date
CN121263814A (zh) 2026-01-02
WO2024240729A1 (en) 2024-11-28
EP4468223A1 (de) 2024-11-27
MX2025014036A (es) 2026-03-02

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